Capital First Home Loans Inc

★★★★★

About Capital First Home Loans Inc

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  • Loans
  • Home Loans and Mortgages

Finance

Finance
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First National Bank

11010 Clifton Blvd Cleveland, OH

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Navy Federal Credit Union

1240 E 9th Street, 26th Floor, Room 2663 Cleveland, OH

4.6857 35
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Small office but big enough to help in all areas

2
★★★★★

Small office but big enough to help in all areas

Pros: They help every step of the way

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I worked with Steve and he was great! Would totally recommend.

2
★★★★★

I worked with Steve and he was great! Would totally recommend.

Pros: Professional, reliable, friendly, great to work with

Cons: none

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Worked with both Steve and Amanda L when we refinanced our home. They were very professional, answered our questions, and never pressured us, which we appreciated. The process was as quick and painless as they could make it for us. The only drawback (and this does not reflect on either of them) is that this refinance was more costly than other banks, but their rate was a little lower.

2
★★★★☆

Worked with both Steve and Amanda L when we refinanced our home. They were very professional, answered our questions, and never pressured us, which we appreciated. The process was as quick and painless as they could make it for us. The only drawback (and this does not reflect on either of them) is that this refinance was more costly than other banks, but their rate was a little lower.

Pros: great customer service

Cons: more expensive than other banks

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Steve Gerding was great anwswered all my questions, gave me alot of other options to look at. I was very impressed. Steve was just very helpfully after i was a first time home buyer i would recommed him to all my friends.

2
★★★★★

Steve Gerding was great anwswered all my questions, gave me alot of other options to look at. I was very impressed. Steve was just very helpfully after i was a first time home buyer i would recommed him to all my friends.

Pros: Quick, Easy, Helpful

Cons: none

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We were recently in the market to re-finance our home and had initiated the process with a motgage company.
In my search for the best deal, we inquired with Capital First Home Loans and Amanda was our contact person. It is amazing how quickly Amanda moved Capital First from "just an inquiry" to first place in winning our business. She was extremely personable (won us over), very responsive to our needs and offered alternative that were innovative and worked for us. Amanda is the best mortgage professional I have ever worked with....Thanks Amana for everything!!!!

2
★★★★★

We were recently in the market to re-finance our home and had initiated the process with a motgage company.
In my search for the best deal, we inquired with Capital First Home Loans and Amanda was our contact person. It is amazing how quickly Amanda moved Capital First from "just an inquiry" to first place in winning our business. She was extremely personable (won us over), very responsive to our needs and offered alternative that were innovative and worked for us. Amanda is the best mortgage professional I have ever worked with....Thanks Amana for everything!!!!

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I Refinanced my home last month and worked closely with Capitol first loans, I was able to get a lower intrest rate and work down to a 15 year fixed loan instead of my previous 20 year loan. I worked with Amanda and Lisa and they were always available anytime i needed them or had any questions.

2
★★★★★

I Refinanced my home last month and worked closely with Capitol first loans, I was able to get a lower intrest rate and work down to a 15 year fixed loan instead of my previous 20 year loan. I worked with Amanda and Lisa and they were always available anytime i needed them or had any questions.

Pros: quick and efficient, knowlegable,

Cons: paper work

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Steve gerding was very helpfull with my Refinancing. He answered all my questions and gave me some options.

2
★★★★☆

Steve gerding was very helpfull with my Refinancing. He answered all my questions and gave me some options.

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Steve was very thorough and was very good about getting back to me. Everything was done electronically, which made it easy. Working with Lisa in the office was great too! I highly recommend them!

2
★★★★★

Steve was very thorough and was very good about getting back to me. Everything was done electronically, which made it easy. Working with Lisa in the office was great too! I highly recommend them!

Pros: Great customer service; follow through; easy to work with

Cons: Really none.

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Steve Gerding is the man to talk to.
He's very knowledgeable and professional.
Steve is always there to answer your questions and makes you feel like you're one of the family.

2
★★★★★

Steve Gerding is the man to talk to.
He's very knowledgeable and professional.
Steve is always there to answer your questions and makes you feel like you're one of the family.

Pros: Very Professional

Cons: None

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Refinancing with Capital First Home Loans was a breeze. Steve Gerding was very responsive and followed up when he didn't hear from me. When he was not available, Lisa Hritz was. I did not run into any discrepancies between what Steve told me in the beginning and what actually happened in the end. Great rates! It was the smoothest mortgage process I have ever experienced. And having the closing at my house after work was a bonus. I would highly recommend Capital First.

2
★★★★★

Refinancing with Capital First Home Loans was a breeze. Steve Gerding was very responsive and followed up when he didn't hear from me. When he was not available, Lisa Hritz was. I did not run into any discrepancies between what Steve told me in the beginning and what actually happened in the end. Great rates! It was the smoothest mortgage process I have ever experienced. And having the closing at my house after work was a bonus. I would highly recommend Capital First.

Pros: No hiccups in the process

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Amanda Lindville made refinancing a snap. Thanks!

2
★★★★★

Amanda Lindville made refinancing a snap. Thanks!

Pros: Communication

Cons: None

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Amanda did great at keeping me informed...

2
★★★★★

Amanda did great at keeping me informed...

Pros: great communication

Cons: none

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We were able to refinance, lower our rate and go to a 15 year mortgage. It was as painless as refinancing can get...Great job Amanda Linville.

2
★★★★★

We were able to refinance, lower our rate and go to a 15 year mortgage. It was as painless as refinancing can get...Great job Amanda Linville.

Pros: Timely, helpful, accurate and user friendly

Cons: Learning how to close with the title company paperless.

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I am an attorney who has bought and sold homes several times. Capital First saved me money. Not just a great rate, but lower origination fees and without the hidden charges you will get with some mortgage brokers.

Never have I dealt with a more professional, knowledgeable loan officer than Steve Gerding. Steve made sure everything was done right. He was available for all my questions. He even came to my closing (which is almost unheard of).

2
★★★★★

I am an attorney who has bought and sold homes several times. Capital First saved me money. Not just a great rate, but lower origination fees and without the hidden charges you will get with some mortgage brokers.

Never have I dealt with a more professional, knowledgeable loan officer than Steve Gerding. Steve made sure everything was done right. He was available for all my questions. He even came to my closing (which is almost unheard of).

Pros: Steve came to my closing

Cons: None.

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We worked with Amanda Linville to refinance our home. Our loan was a refinance of a first and second mortgage into a single payment. We followed rates for several weeks as we considered refinancing and Capital First Home Loans consistently had the best rate on 15 and 30 year loans.

Refinancing is a stressful process and I expected there to be a catch or some kind of problem and the quoted loan rate would vanish. That wasn't the case though. Amanda was in constant e-mail contact with us and we spoke several time on the phone as well. She kept us updated with the loan process and made sure our concerns were met.

Of the six home loans we have had, this was by far the best service we have received. Amanda was great, the closing at our home was a treat, and the old adage, "if it seems too good to be true.....," doesn't always apply.

Thanks Amanda.

2
★★★★★

We worked with Amanda Linville to refinance our home. Our loan was a refinance of a first and second mortgage into a single payment. We followed rates for several weeks as we considered refinancing and Capital First Home Loans consistently had the best rate on 15 and 30 year loans.

Refinancing is a stressful process and I expected there to be a catch or some kind of problem and the quoted loan rate would vanish. That wasn't the case though. Amanda was in constant e-mail contact with us and we spoke several time on the phone as well. She kept us updated with the loan process and made sure our concerns were met.

Of the six home loans we have had, this was by far the best service we have received. Amanda was great, the closing at our home was a treat, and the old adage, "if it seems too good to be true.....," doesn't always apply.

Thanks Amanda.

Pros: great interest rate and attention to loan process

Cons: none

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Steve Gerding at Capital First was very professional and trustworthy. We really felt they were looking out for our best interest and were willing to communicate with us regarding their opinions on where the rates were going and what to do.

2
★★★★★

Steve Gerding at Capital First was very professional and trustworthy. We really felt they were looking out for our best interest and were willing to communicate with us regarding their opinions on where the rates were going and what to do.

Pros: Honest, worked with you!

Cons: We needed to contact them daily to check rate changes

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I refinanced my home this summer with Capital First and was pleasantly surprised at the level of customer service I was provided with. I worked with Amanda Linville throughout the process and I was informed in every step of the process, which really made me feel comfortable. I received an outstanding rate, reasonable closing costs and excellent customer service. I will refer anyone I know looking for a loan to Capital First and Amanda. Thanks again!

2
★★★★★

I refinanced my home this summer with Capital First and was pleasantly surprised at the level of customer service I was provided with. I worked with Amanda Linville throughout the process and I was informed in every step of the process, which really made me feel comfortable. I received an outstanding rate, reasonable closing costs and excellent customer service. I will refer anyone I know looking for a loan to Capital First and Amanda. Thanks again!

Pros: Rates, customer service, fees

Cons: n/a

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I commend Steve Gerding and the rest of hte CF staff for putting up with my mood swings during the whole process. I will say the process of puchasing a home can be stressfull to say the least. In our case, a second basement inspection was mandatory due to a minor drainage issue. I was a bit irritated at this point and Steve took care of finding another basement inspector and even met them at the house the day of inspection. That went above and beyond. Moreover, they set the expectations throughout the process and delivered at the end. Steve and the sfaff always seem to available if you need them. That type of service is becoming abosolete these days. Keep up the good work.

2
★★★★★

I commend Steve Gerding and the rest of hte CF staff for putting up with my mood swings during the whole process. I will say the process of puchasing a home can be stressfull to say the least. In our case, a second basement inspection was mandatory due to a minor drainage issue. I was a bit irritated at this point and Steve took care of finding another basement inspector and even met them at the house the day of inspection. That went above and beyond. Moreover, they set the expectations throughout the process and delivered at the end. Steve and the sfaff always seem to available if you need them. That type of service is becoming abosolete these days. Keep up the good work.

Pros: great service

Cons: would like a 0% interest rate :)

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Steve Gerding was a huge help to me. Walked me through the entire process and answered all of my questions!

2
★★★★★

Steve Gerding was a huge help to me. Walked me through the entire process and answered all of my questions!

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Steve Gerding and the whole team made refinancing a painless process for me. I've refinanced before and it's a total pain in the neck. These guys were the easiest! They were friendly and informative, weren't demanding or annoying and easily worked on my schedule. Plus, I'm thrilled with my rate.

2
★★★★★

Steve Gerding and the whole team made refinancing a painless process for me. I've refinanced before and it's a total pain in the neck. These guys were the easiest! They were friendly and informative, weren't demanding or annoying and easily worked on my schedule. Plus, I'm thrilled with my rate.

Pros: Super easy to work with

Cons: ???

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I purchased my first home through Capital First this year. Steve Gerding was very helpful and explained everything in great detail. He also answered e-mails promptly with any questions that I had during the entire process. Lot of paperwork...but I guess that is normal. He was always positive and upbeat and upfront with me through the whole process. I've recommended them to my friends and family. Wish them continued success. I love my new home. I've been here for almost 6 months now.

2
★★★★☆

I purchased my first home through Capital First this year. Steve Gerding was very helpful and explained everything in great detail. He also answered e-mails promptly with any questions that I had during the entire process. Lot of paperwork...but I guess that is normal. He was always positive and upbeat and upfront with me through the whole process. I've recommended them to my friends and family. Wish them continued success. I love my new home. I've been here for almost 6 months now.

Pros: always helpful and available to answer questions

Cons: none

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Steve Gerding, Lisa and the entire team were friendly and professional. I was never rushed during any of my phone calls. Steve took all the time I needed everytime to make sure I was in the loop the entire loan process.
Great rate and closing costs! Highly recommend Capital First for your next home loan or refinance!!

Thanks to all of you-

Dave

2
★★★★★

Steve Gerding, Lisa and the entire team were friendly and professional. I was never rushed during any of my phone calls. Steve took all the time I needed everytime to make sure I was in the loop the entire loan process.
Great rate and closing costs! Highly recommend Capital First for your next home loan or refinance!!

Thanks to all of you-

Dave

Pros: Great rate and Super Customer Service!

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My fiance and I were referred to Capitol first by both family members and friends. They came extremely highly recommended and gave us nothing less than first class treatment. When considering the current state of the housing market in America and more specifically Ohio it can be a difficult time to go through the process of purchasing a home. The team at Capitol first prepared us for all the hurdles that we could encounter and tackled each obstacle that we faced with passion as if we were family. Jeremy and Steve routinely went the extra mile to make sure our purchase was as stress free and easy as possible.

Aside from the wonderful service and open lines of communication Capital First was able to get us an EXTREMELY low rate. I wouldn't hesitate to recommend Capital First to any of my family, friends, or co-workers.

You can't go wrong with two honorable hard working men like Steve Gerding and Jeremy Groleau holding your hand and walking you through this process!

2
★★★★★

My fiance and I were referred to Capitol first by both family members and friends. They came extremely highly recommended and gave us nothing less than first class treatment. When considering the current state of the housing market in America and more specifically Ohio it can be a difficult time to go through the process of purchasing a home. The team at Capitol first prepared us for all the hurdles that we could encounter and tackled each obstacle that we faced with passion as if we were family. Jeremy and Steve routinely went the extra mile to make sure our purchase was as stress free and easy as possible.

Aside from the wonderful service and open lines of communication Capital First was able to get us an EXTREMELY low rate. I wouldn't hesitate to recommend Capital First to any of my family, friends, or co-workers.

You can't go wrong with two honorable hard working men like Steve Gerding and Jeremy Groleau holding your hand and walking you through this process!

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I worked with Steve Gerding this past year and found him to be extremely knowledgeable, professional and honest. He helped me refinance my home and receive a very good rate. This proved to be a very timely move as my wife and I begin to start a family.

2
★★★★☆

I worked with Steve Gerding this past year and found him to be extremely knowledgeable, professional and honest. He helped me refinance my home and receive a very good rate. This proved to be a very timely move as my wife and I begin to start a family.

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Working with Mr. Gloleau was a wonderful experience. He immediately knew the answers to every question I had and explained them to me in detail, so I understood exactly what he was telling me before proceeding. He guided me through the loan process and made sure everything ran as smoothly as possible. Not only was Mr. Groleau a fantastic, but his whole staff was as well. Everyone treated me with respect and help me in any way they could.

I have and will continue to recommend Capital First Home Loans to all of my family, friends, and anyone else looking for a GREAT company to close their loans!

2
★★★★★

Working with Mr. Gloleau was a wonderful experience. He immediately knew the answers to every question I had and explained them to me in detail, so I understood exactly what he was telling me before proceeding. He guided me through the loan process and made sure everything ran as smoothly as possible. Not only was Mr. Groleau a fantastic, but his whole staff was as well. Everyone treated me with respect and help me in any way they could.

I have and will continue to recommend Capital First Home Loans to all of my family, friends, and anyone else looking for a GREAT company to close their loans!

Pros: Very knowledgeable and trustworthy

Cons: N/A

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I was referred to Capital First Home Loans by a friend. I trusted my friend and Capital First Home Loans held up to all the promises my friend made about their company. I am so grateful I was able to work with this company. I have refinanced my home several times in the past and have never had service like the service Capital First Home Loans provided. I was treated with respect and was never given false information. EVERYTHING they prepared me for happened as they stated it was going to happen. What a wonderful group of individuals. I will ONLY be working with Capital First Home Loans from here on out.

Thanks again all of you!

2
★★★★★

I was referred to Capital First Home Loans by a friend. I trusted my friend and Capital First Home Loans held up to all the promises my friend made about their company. I am so grateful I was able to work with this company. I have refinanced my home several times in the past and have never had service like the service Capital First Home Loans provided. I was treated with respect and was never given false information. EVERYTHING they prepared me for happened as they stated it was going to happen. What a wonderful group of individuals. I will ONLY be working with Capital First Home Loans from here on out.

Thanks again all of you!

Pros: No false promises

Cons: N/A

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Attn: Steve Gerding

Both Tom and myself would like to thank you for allthe hard work and help you provided in getting our loan through in a professional and timely manner.

Steve Gerding was especially thorough inhis detail and followup, answering any - and allof our questions - whenever we contacted him. Your entire staff was a fun group to work with! Working in the real estate industry for 20 years, I have encountered my fair share of mortgage loan officers, and heard many horror stories! Steve stands heads and shoulders above the rest!

I have recommendedyour company, and especially Steve, to family and friends knowing they will also receive the same top notch service that we did.

Sincerely,
Tom and Debbie

2
★★★★★

Attn: Steve Gerding

Both Tom and myself would like to thank you for allthe hard work and help you provided in getting our loan through in a professional and timely manner.

Steve Gerding was especially thorough inhis detail and followup, answering any - and allof our questions - whenever we contacted him. Your entire staff was a fun group to work with! Working in the real estate industry for 20 years, I have encountered my fair share of mortgage loan officers, and heard many horror stories! Steve stands heads and shoulders above the rest!

I have recommendedyour company, and especially Steve, to family and friends knowing they will also receive the same top notch service that we did.

Sincerely,
Tom and Debbie

.

This company was incredible. I found their information among others online. I worked directly with Jeremy; however, I talked with a few of the other representatives, which were all very knowledgeable. Not only was everyone upfront and honest, they also made me feel like I was their only customers. There services were very hands on and I never waited for an answer to any of my many questions. Jeremy was able to handle everything for me via e-mail and fax. When it came down to closing, he sent someone out to my house at 9:00 p.m. (which was nice for me due to me getting off work late). Everything came through as they promised. I was nervous never using them before but they accomplished everything they promised and more.

What a wonderful company. Thanks again to everyone at Capital First. I will constantly refer your name!

2
★★★★★

This company was incredible. I found their information among others online. I worked directly with Jeremy; however, I talked with a few of the other representatives, which were all very knowledgeable. Not only was everyone upfront and honest, they also made me feel like I was their only customers. There services were very hands on and I never waited for an answer to any of my many questions. Jeremy was able to handle everything for me via e-mail and fax. When it came down to closing, he sent someone out to my house at 9:00 p.m. (which was nice for me due to me getting off work late). Everything came through as they promised. I was nervous never using them before but they accomplished everything they promised and more.

What a wonderful company. Thanks again to everyone at Capital First. I will constantly refer your name!

Pros: Rates & Service

Cons: Can't Think of Any

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I was in a pit of a pinch on the purchase of my new home and I turned to Capital First to help me. The original lender turned me down and I always drive past their offices, so I figured it was worth a shot. I was greeted by a very nice receptionist and I discussed the situation. The branch manager came out and discussed the sitiuation wtih me personally, and let me know that he was going to do his best to make it happen. He said his staff rallied and worked overtime to make sure everything got processed quickly to get my family in our home. It was interesting to see people actually care these days. They cared, and really made me feel like I was their absolute priority. It was an emotional time for me, and Capital First and their staff took me from the super blue, to true excitement. It is hard to explain...but you know when someone tells you they are going to get it done and you can see they are not going to let you down. There was several hurdles (my credit, job time etc..), and they just never stopped until we had the keys. I can't thank you enough. I tell everyone that will listen what a great company this was to deal with!

2
★★★★★

I was in a pit of a pinch on the purchase of my new home and I turned to Capital First to help me. The original lender turned me down and I always drive past their offices, so I figured it was worth a shot. I was greeted by a very nice receptionist and I discussed the situation. The branch manager came out and discussed the sitiuation wtih me personally, and let me know that he was going to do his best to make it happen. He said his staff rallied and worked overtime to make sure everything got processed quickly to get my family in our home. It was interesting to see people actually care these days. They cared, and really made me feel like I was their absolute priority. It was an emotional time for me, and Capital First and their staff took me from the super blue, to true excitement. It is hard to explain...but you know when someone tells you they are going to get it done and you can see they are not going to let you down. There was several hurdles (my credit, job time etc..), and they just never stopped until we had the keys. I can't thank you enough. I tell everyone that will listen what a great company this was to deal with!

Pros: Sincere, treat you like family.

Cons: Only get to work with them every 5-7 years!

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We worked with Steve to get a mortgage with Capital First for our first home. He took us through the process and explained everything very well. Capital First was definitely the lowest rate we found in the area, and it has stayed that way whenever I've looked around again. The closing costs are a bit higher than other places (like Third Fed), but if you plan to stay in the home for more than a few years, the lower rate came out ahead leaps and bounds even after Third Fed's 'rate match.' In our experience Steve and Jeremy were very honest and straightforward about costs, explaining which items were 'under their control' and which could vary on the Good Faith estimate. We've had our mortgage now for 8 months and all has gone smoothly from the beginning. If I were to do it all again, I'd 'shop around' for the best rates and closing costs every time, but I would be very surprised if Capital First didn't come out best again!

2
★★★★☆

We worked with Steve to get a mortgage with Capital First for our first home. He took us through the process and explained everything very well. Capital First was definitely the lowest rate we found in the area, and it has stayed that way whenever I've looked around again. The closing costs are a bit higher than other places (like Third Fed), but if you plan to stay in the home for more than a few years, the lower rate came out ahead leaps and bounds even after Third Fed's 'rate match.' In our experience Steve and Jeremy were very honest and straightforward about costs, explaining which items were 'under their control' and which could vary on the Good Faith estimate. We've had our mortgage now for 8 months and all has gone smoothly from the beginning. If I were to do it all again, I'd 'shop around' for the best rates and closing costs every time, but I would be very surprised if Capital First didn't come out best again!

Pros: Low interest rates, good communication

Cons: Slightly higher closing costs

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I found Capital First Home Loans through LendingTree and refinanced my mortgage taking equity out for a home improvement project.
My experience with Steve G. was good. He was straightforward with me, provided a good faith estimate to which Capital First held true, but best of all, I liked the fact that I could close in the convenience of my home.
The line of communication between us and Steve G. was excellent; he was always available to answer any questions and any questions sent via e-mail were answered promptly. Steve G. was courteous and never rude and very knowledgeable.
I would definitely do business with Capital First Home Loans again.

2
★★★★★

I found Capital First Home Loans through LendingTree and refinanced my mortgage taking equity out for a home improvement project.
My experience with Steve G. was good. He was straightforward with me, provided a good faith estimate to which Capital First held true, but best of all, I liked the fact that I could close in the convenience of my home.
The line of communication between us and Steve G. was excellent; he was always available to answer any questions and any questions sent via e-mail were answered promptly. Steve G. was courteous and never rude and very knowledgeable.
I would definitely do business with Capital First Home Loans again.

Pros: Customer Service

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Watch out for these guys. During the application and underwriting process, Jeremy will lie to you repeatedly... the good faith estimates will be fudged, he will promise you closing cost discounts, he will lie and deceive you. He'll promise you one interest rate, and give you another. Besides this mess, as you review the documents, you'll wonder if a 5th grader put them together... there will be typos galore, signature requests on blank documents, missing discounts on the good faith estimates, and complete lack of disclosure that you're working with a mortgage broker! Jeremy is slick... beware. THEY WILL BURN YOU!

0
★☆☆☆☆

Watch out for these guys. During the application and underwriting process, Jeremy will lie to you repeatedly... the good faith estimates will be fudged, he will promise you closing cost discounts, he will lie and deceive you. He'll promise you one interest rate, and give you another. Besides this mess, as you review the documents, you'll wonder if a 5th grader put them together... there will be typos galore, signature requests on blank documents, missing discounts on the good faith estimates, and complete lack of disclosure that you're working with a mortgage broker! Jeremy is slick... beware. THEY WILL BURN YOU!

Pros: Rates look good in the beginning

Cons: Lies, broken promises, massive fees, deception

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There rates were great, so I was concerned the service might not be as strong. I was very pleasantly surprised. They were open later, and my loan officer even responded to E-mails after hours! Would highly recommend them.Thanks again guys!

2
★★★★★

There rates were great, so I was concerned the service might not be as strong. I was very pleasantly surprised. They were open later, and my loan officer even responded to E-mails after hours! Would highly recommend them.Thanks again guys!

Pros: Straightforward, great rates

Cons: A lot of paperwork to sign (I think that is with any loan)

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My interactions have still not ended so consider this as preliminary review.

Carefully understand when the company will lock the rate and make sure that policy works for you. Ask for "Rate Lock Disclosure Form".
Amit

1
★★★☆☆

My interactions have still not ended so consider this as preliminary review.

Carefully understand when the company will lock the rate and make sure that policy works for you. Ask for "Rate Lock Disclosure Form".
Amit

Pros: Communicated frequently

Cons: Needs to provide better clarification

.

I shopped around extensively for a mortgage loan and I ended up going with Capital First Home Loans on Pearl road. I am glad I did! The staff there was very professional and helpful. They had fantastic rates and the loan was closed exactly as promised. I refer Steve to all my friends. It is rare these days to find a company that is so straight forward and honest. Thanks again Steve!

2
★★★★★

I shopped around extensively for a mortgage loan and I ended up going with Capital First Home Loans on Pearl road. I am glad I did! The staff there was very professional and helpful. They had fantastic rates and the loan was closed exactly as promised. I refer Steve to all my friends. It is rare these days to find a company that is so straight forward and honest. Thanks again Steve!

 

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